This July 2025, senior Canadians could see up to $1,860 deposited into their bank accounts—representing the maximum monthly Old Age Security (OAS) benefit.
This higher rate applies to individuals aged 75 and over, offering enhanced financial support as cost‑of‑living pressures continue to rise. Knowing whether you qualify and preparing ahead ensures you receive the full payment on time.
What Is the $1,860 OAS Payment?
The $1,860 monthly amount reflects the peak combined payout for eligible seniors—covering the base OAS pension and any additional age-related top-ups or supplements. This figure is not the standard payment for everyone, but a maximum total for those meeting specific criteria.
Payment Schedule – July 2025
| Area | Details |
|---|---|
| Payment Month | July 2025 |
| Deposit Date | Scheduled during the first week of July |
| Delivery Method | Direct deposit (preferred) or mailed cheque |
| Confirmation | Available via My Service Canada Account |
Payments are typically processed the first week of July, and seniors are advised to verify their direct deposit details well in advance.
Who Qualifies for the $1,860 Payment?
To qualify for the maximum OAS payment this July, you must satisfy the following conditions:
- Age: 75 years or older
- Residency: Lived in Canada for at least 10 years after turning 18
- Citizenship: Must be a Canadian citizen or permanent resident
- Income: Total annual income below certain thresholds
- Enrolled: Must be actively receiving the full OAS pension
Those aged 65–74 who meet residency and citizenship criteria will receive the standard OAS payment of approximately $734.95 monthly.
Why Some Seniors Receive the Upper Rate
The additional amount for seniors aged 75+ reflects a 10% automatic pension boost, combined with the basic OAS and any applicable Guaranteed Income Supplement (GIS) or Allowance for low-income individuals or their spouses.
This ensures that eligible seniors receive both fixed and variable top-ups, potentially reaching the $1,860 per month maximum when all criteria are met.
Expected Payment Range – July 2025
| Age Group | Monthly OAS | Possible Extras | Max Monthly Amount |
|---|---|---|---|
| Aged 65–74 | $734.95 | – | $734.95 |
| Aged 75+ | $808.45 | + GIS/Age top-up and/or Allowance | Up to $1,860 |
Note: Guaranteed Income Supplement (GIS) and Allowance benefits are income-dependent and vary for singles, couples, or survivors.
How to Claim or Confirm Your Eligibility
- Check eligibility: Verify your age and residency status.
- Register or update direct deposit: Use My Service Canada Account or call Service Canada.
- Apply for GIS or Allowance if needed: Low-income seniors may qualify in addition to base OAS.
- Verify income details: Ensure Canada Revenue Agency (CRA) has current information for your GIS calculation.
- Monitor your account: Check balances in early July to confirm receipt.
What Should You Do Now?
- Confirm you’re currently enrolled in My Service Canada Account.
- Review and update banking info by late June.
- For those nearing age 75 or recent retirees, contact Service Canada to confirm eligibility and availability.
- If you receive GIS or Allowance, make sure 2024 tax info is filed on time to ensure continued eligibility.
The July 2025 Old Age Security payment can reach up to $1,860 monthly for seniors aged 75 and over, combining the base OAS pension with additional top-ups and supplements. To prepare:
Verify your Service Canada enrollment
Update direct deposit details
Confirm your household income status
With these steps taken, you’ll ensure timely receipt of this key financial boost, helping you start summer with extra peace of mind and security.
FAQs
What if I turn 75 mid-2025?
You’ll be eligible for the higher rate starting from the month you turn 75, assuming other criteria are met.
Is a separate application needed for the top-up?
No. If you’re already receiving OAS and meet the age and residency criteria, the higher amount is applied automatically.
What if I currently get GIS or Allowance?
These benefits are income-tested and may increase your total to the $1,860 maximum. Ensure your 2024 tax return is filed and reviewed by CRA.
🔚 Conclusion
The July 2025 Old Age Security payment can reach up to $1,860 monthly for seniors aged 75 and over, combining the base OAS pension with additional top-ups and supplements. To prepare:
✅ Verify your Service Canada enrollment
✅ Update direct deposit details
✅ Confirm your household income status
With these steps taken, you’ll ensure timely receipt of this key financial boost, helping you start summer with extra peace of mind and security.